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    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
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GSMGuy v Barclaycard / Cabot


GSMGuy
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Here's a strange one...

 

My unused Bcard had a balance of a few hundred pounds run up by the now ex wife about 4 years ago..... Anyway, not heard a thing about it for a good couple of years, no statements or requests for payment, since my solicitor wrote to them and advised them to pursue ex wife as she had used the card after we split, and before I cancelled it...

 

 

Anyway.. I think my getting to the court date stage with Barclays over my Wollwich account and sending in a S.A.R - for the Barclaycard has prompted them into action...

 

Basically I got a lettter from Cabot, saying they had bought the debt, and included was I think the same stlye of letter printed on Barclays paper with the same date saying they had sold/assigned the debt to Cabot....

 

Then I received back my SAR.... Or what purported to be the information I had asked for - along with the letter below...

 

I quote...

 

img016su1.th.jpg

 

 

It included a bunch of copy statements back from 2004 until Dec 2006 - None of which I have received....

 

So do I now write back asking for a copy of the CCA and is their argument valid, or am I still entitled to ALL of the info for the £10 I have paid?

 

Also, should I let Barclaycard know that I am looking to query charges on the account, and as such they should recall it from Cabot - TBH Cabot are phoning me 2 or 3 times a day, the first call - he asked me to confirm my name address, and DOB - I refused saying I was not giving any personal info out on a call I had received - he seemed a bit taken aback - he said "if you don't confirm - I can't talk to you" I said "Goodbye" and put the phone down - they still keep ringing though and not leaving messages - surely this is harassment?

 

Mike

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  • 4 weeks later...

Ok, well following the excellent TBern123's thread, have now written back to them reminding them of the recent statements by the information comissioner.....

 

Mike

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As Cabot are now phoning my mobile 2 or 3 times a day, I have done a CCA to them via recorded delivery today - Also CC'd it on email, telling them that any further calls would be considered harrasment - got a reply in less than 5 mins stating they await my original CCA and will now correspond in writing only!

 

Mike

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  • 4 weeks later...

Well, eventually got a letter back from them in response to the CCA - Posted below.. Received an interim letter telling me they were waiting for info from Sharclaycard...

 

img037kl4.jpg

 

Hmm, hello and goodbye letters now????

 

Are they right - Can they get out of this as they are not the originators of, or the original debtors - also can they charge me for wanting to see the deeds of assignment???? And are they saying that they have "won" previous cases that have gotten to court??

 

Heeeelp!!!

 

Mike

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oops, we havnt been ignoring you!

 

The microfiche argument has been overturned, so you can request your SAR again and they have to comply:

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/50148-barclaycard-microfiche-they-wrong.html

 

You should PM a mod about the deed of assignment or perhaps start a thread in http://www.consumeractiongroup.co.uk/forum/general/

 

Name the thread - Urgent help please with DCA - that should get some attention (and put a link to this thread and explain why you are in both!!

 

HTH

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If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Cheers Chorlton, I knew about the microfiche argument and have written back to Barclaycard who confirmed that they would as a gesture of goodwill blah blah, funnily enough, just as I am typing this my OH has just come up the stairs with the post, and a large envelope from Sharclaycard with ALL the statements in it - how weird is that??

 

Anyway It was a CCA that I sent to Cabot, and the above is their reply, so can they use the arguments they have, as a get out to avoid complying with the CCA?

 

Mike

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  • 1 month later...
Cheers Chorlton, I knew about the microfiche argument and have written back to Barclaycard who confirmed that they would as a gesture of goodwill blah blah, funnily enough, just as I am typing this my OH has just come up the stairs with the post, and a large envelope from Sharclaycard with ALL the statements in it - how weird is that??

 

Anyway It was a CCA that I sent to Cabot, and the above is their reply, so can they use the arguments they have, as a get out to avoid complying with the CCA?

 

Mike

 

Mike..Any News.... just seen (for the 1st time) that letter Cabot sent you!! OMG :shock:

Just hate every DCA out there

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Cheers Chorlton, I knew about the microfiche argument and have written back to Barclaycard who confirmed that they would as a gesture of goodwill blah blah, funnily enough, just as I am typing this my OH has just come up the stairs with the post, and a large envelope from Sharclaycard with ALL the statements in it - how weird is that??

 

Anyway It was a CCA that I sent to Cabot, and the above is their reply, so can they use the arguments they have, as a get out to avoid complying with the CCA?

 

Mike

 

 

Hi,

 

 

That letter in reply to your CCA request seems to be the standard reply. I received almost identical letters from 2 CCA requests.

 

Jeff.

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